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題名 金融科技專利質量指標與金融機構績效之關聯性研究
The Relationship Between Fintech Patents Quality Indicators and Financial Institution’s Performance作者 周莞庭
Chou, Wan-Ting貢獻者 陳聖賢
Chen, Sheng-Syan
周莞庭
Chou, Wan-Ting關鍵詞 金融科技專利
專利數量
專利被引用數
金融機構績效
Fintech patent
Number of patents
Number of patent citations
Performance of financial institutions日期 2021 上傳時間 4-Aug-2021 14:43:26 (UTC+8) 摘要 本研究搜集2012至2020年，我國41家上市櫃金融機構的資料為樣本，先分析樣本在金融科技專利的佈局，再探討專利數量與專利被引用數對金融機構績效的影響，以確認金融科技專利是否對金融業的績效至關重要。研究結果顯示，我國金融科技在政府的推廣下開始蓬勃發展，但我國金融機構擁有的金融科技專利以G06Q-40主目為主，顯示出我國金融機構的金融科技專利領域較侷限。再觀察G06Q-20、G06Q-30、G06Q-40專利數與被引用數的金融機構排名，可發現多為金融控股公司，僅彰化銀行 (股票代號：2801)、臺企銀 (股票代號：2834) 為獨立銀行機構，顯示出金融科技專利多集中在少數金融控股公司，獨立保險機構、獨立證券及期貨機構則擁有較少金融科技專利與被引用數。本研究再透過迴歸分析，使用ROA、ROE、Tobin’s Q作為金融機構績效的變數，並控制規模、獲利率、營業費用率、營收成長率對績效的影響，研究結果顯示，金融科技專利數量對ROA、ROE、Tobin’s Q都有顯著正向影響，而專利被引用數皆不顯著。故本研究主要貢獻在於將金融科技專利指標與金融機構績效連結，補足我國金融業在金融科技專利數量與被引用數與績效的關聯。研究結果表明，金融機構可以致力於投入金融科技創新的專利來提高績效。
The result shows that Taiwan`s FinTech development began to flourish under the promotion of the government, but the research field is mainly in the G06Q-40 category, which is limited. And we found that most FinTech patent applicants are financial holding companies. It shows that Fintech patents are mostly concentrated in a few financial institutions, especially the financial holding companies, while independent insurance institutions, securities, and futures institutions only have fewer Fintech patents.This study aims to explore the relationships between corporate performance and Fintech patent indicators measured from Fintech patent counts and citation counts in the financial industry. In our regression analysis, we used a sample of 41 Taiwan financial institutions from 2012 to 2020 and chose ROA, ROE, and Tobin’s Q as proxies for performance. The results demonstrate that FinTech patent counts have positive influences on financial institutions’ performance. However, we obtained no direct evidence of the influence between FinTech patent citation and financial institutions’ performance. Therefore, our findings suggest that financial institutions can improve their performance by spending more effort obtaining out FinTech patents.參考文獻 中文部分王明妤、許旭昇 (2005)。專利組合分析方法之建構：以磁阻性隨機存取記憶體為例。科技管理學刊，10(3)，97-120。李清祺、蔡茜堉、顏俊仁(2016)。金融科技專利現況分析。台灣金融服務業聯合總會，22-33。周夢柏 (2002)。應用財務比率分析我國商業銀行獲利能力之實證研究。碩士論文，朝陽科技大學，財務金融系。翁順裕、耿筠 (2006)。保險業智財權管理新課題：保險商品專利。科技管理學刊，11(4)，99-120。經濟部智慧財產局專利一組 (2014)。發明公開與公告有何區別？，2021年5月18日，取自 https://topic.tipo.gov.tw/patents-tw/cp-783-872267-a0309-101.html。經濟部智慧財產局專利一組 (2014)。發明專利、新型專利、設計專利有何不同？，2021年5月18日，取自 https://topic.tipo.gov.tw/patents-tw/cp-783-872063-15a31-101.html。英文部分Arner, D. W., Barberis, J., and Buckley, R. P. (2015). The Evolution of FinTech: A New Post-Crisis Paradigm?. Georgetown Journal of International Law, 47(4), 1271–1319.Athanasoglou, P. P., Brissimis, S. N., and Delis, M. D. (2008). Bank-Specific, Industry-Specific and Macroeconomic Determinants of Bank Profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.Bettis, R. A. and Mahajan, V. (1985). Risk/Return Performance of Diversified Firms. Management Science, 31(7), 785-799.Chang, K.-C., Chen, D.-Z., and Huang, M.-H. (2012). The Relationships between the Patent Performance and Corporation Performance. Journal of Informetrics, 6(1), 131-139.Chen, M. A., Wu, Q., and Yang, B. (2019). How Valuable is FinTech Innovation?. Review of Financial Studies, 32(5), 2062-2106.Chen, T.-H. and Chang, R.-C. (2021). Using machine learning to evaluate the influence of FinTech patents: The case of Taiwan’s financial industry. Journal of Computational and Applied Mathematics, 390, 113215.Cho, M.-H. (1998). Ownership Structure, Investment, and the Corporate Value: an Empirical Analysis. Journal of Financial Economics, 47(1), 103-121.Chung, K. H. and Pruitt, S. W. (1994). A simple approximation of Tobin`s q. Financial Management, 23, 70-74.Deng, Z., Lev, B., and Narin, F. (1999). Science and technology as predictors of stock performance. Financial Analysts Journal, 55(3), 20-32.Ernst, H. (1998). Industrial research as a source of important patents. Research Policy, 27(1), 1-15.Garvey, G. and Milbourn, T. (2003). Incentive compensation when executives can hedge the market: Evidence of relative performance evaluation in the cross section. Journal of Finance, 58(4), 1557-1582.Iman, N (2020). The Rise and Rise of Financial Technology: The Good, the Bad, and the Verdict. Cogent Business and Management, 7(1), 172-189.Leung, M.-K. and Young, T. (2002). China`s entry to the WTO: Managerial implications for foreign banks. Managerial and Decision Economics, 23(1), 1-8.McConnell, J. J., and Servaes, H. (1990). Additional evidence on equity ownership and corporate value. Journal of Financial Economics, 27(2), 595-612.Morck, R., Shleifer, A., and Vishny, R. W. (1988). Management ownership and market valuation: An empirical analysis. Journal of Financial Economics, 20, 293-315.Portney, L. G. and Watkins, M. P. (2009). Foundations of clinical research: applications to practice. Prentice Hall, New Jersey.Rupeika-Apoga, R., and Thalassinos, E. I. (2020). Ideas for a regulatory definition of FinTech. International Journal of Economics and Business Administration, 7(2), 136-154.Tobin, J. (1969). A general equilibrium approach to monetary theory. Journal of Money, Credit and Banking, 1(1), 15-29. 描述 碩士
國立政治大學
財務管理學系
107357034資料來源 http://thesis.lib.nccu.edu.tw/record/#G0107357034 資料類型 thesis dc.contributor.advisor 陳聖賢 zh_TW dc.contributor.advisor Chen, Sheng-Syan en_US dc.contributor.author (Authors) 周莞庭 zh_TW dc.contributor.author (Authors) Chou, Wan-Ting en_US dc.creator (作者) 周莞庭 zh_TW dc.creator (作者) Chou, Wan-Ting en_US dc.date (日期) 2021 en_US dc.date.accessioned 4-Aug-2021 14:43:26 (UTC+8) - dc.date.available 4-Aug-2021 14:43:26 (UTC+8) - dc.date.issued (上傳時間) 4-Aug-2021 14:43:26 (UTC+8) - dc.identifier (Other Identifiers) G0107357034 en_US dc.identifier.uri (URI) http://nccur.lib.nccu.edu.tw/handle/140.119/136325 - dc.description (描述) 碩士 zh_TW dc.description (描述) 國立政治大學 zh_TW dc.description (描述) 財務管理學系 zh_TW dc.description (描述) 107357034 zh_TW dc.description.abstract (摘要) 本研究搜集2012至2020年，我國41家上市櫃金融機構的資料為樣本，先分析樣本在金融科技專利的佈局，再探討專利數量與專利被引用數對金融機構績效的影響，以確認金融科技專利是否對金融業的績效至關重要。研究結果顯示，我國金融科技在政府的推廣下開始蓬勃發展，但我國金融機構擁有的金融科技專利以G06Q-40主目為主，顯示出我國金融機構的金融科技專利領域較侷限。再觀察G06Q-20、G06Q-30、G06Q-40專利數與被引用數的金融機構排名，可發現多為金融控股公司，僅彰化銀行 (股票代號：2801)、臺企銀 (股票代號：2834) 為獨立銀行機構，顯示出金融科技專利多集中在少數金融控股公司，獨立保險機構、獨立證券及期貨機構則擁有較少金融科技專利與被引用數。本研究再透過迴歸分析，使用ROA、ROE、Tobin’s Q作為金融機構績效的變數，並控制規模、獲利率、營業費用率、營收成長率對績效的影響，研究結果顯示，金融科技專利數量對ROA、ROE、Tobin’s Q都有顯著正向影響，而專利被引用數皆不顯著。故本研究主要貢獻在於將金融科技專利指標與金融機構績效連結，補足我國金融業在金融科技專利數量與被引用數與績效的關聯。研究結果表明，金融機構可以致力於投入金融科技創新的專利來提高績效。 zh_TW dc.description.abstract (摘要) The result shows that Taiwan`s FinTech development began to flourish under the promotion of the government, but the research field is mainly in the G06Q-40 category, which is limited. And we found that most FinTech patent applicants are financial holding companies. It shows that Fintech patents are mostly concentrated in a few financial institutions, especially the financial holding companies, while independent insurance institutions, securities, and futures institutions only have fewer Fintech patents.This study aims to explore the relationships between corporate performance and Fintech patent indicators measured from Fintech patent counts and citation counts in the financial industry. In our regression analysis, we used a sample of 41 Taiwan financial institutions from 2012 to 2020 and chose ROA, ROE, and Tobin’s Q as proxies for performance. The results demonstrate that FinTech patent counts have positive influences on financial institutions’ performance. However, we obtained no direct evidence of the influence between FinTech patent citation and financial institutions’ performance. Therefore, our findings suggest that financial institutions can improve their performance by spending more effort obtaining out FinTech patents. en_US dc.description.tableofcontents 口試委員會審定書 i摘要 iiAbstract iii目次 iv表次 v圖次 vi第一章 緒論 1第一節 研究背景 1第二節 研究目的 3第三節 研究架構 3第二章 文獻回顧 4第一節 金融科技專利概述 4第二節 專利強度指標 8第三章 研究方法 9第一節 變數選擇 9第二節 樣本蒐集與處理 13第三節 模型設定 14第四章 實證結果 15第一節 金融科技專利趨勢分析 15第二節 敘述性統計 23第三節 Pearson相關係數矩陣 24第四節 專利指標與金融機構績效之關聯性分析 25第五章 結論與建議 28第一節 研究結論 28第二節 研究限制與建議 29參考文獻 31 zh_TW dc.format.extent 814939 bytes - dc.format.mimetype application/pdf - dc.source.uri (資料來源) http://thesis.lib.nccu.edu.tw/record/#G0107357034 en_US dc.subject (關鍵詞) 金融科技專利 zh_TW dc.subject (關鍵詞) 專利數量 zh_TW dc.subject (關鍵詞) 專利被引用數 zh_TW dc.subject (關鍵詞) 金融機構績效 zh_TW dc.subject (關鍵詞) Fintech patent en_US dc.subject (關鍵詞) Number of patents en_US dc.subject (關鍵詞) Number of patent citations en_US dc.subject (關鍵詞) Performance of financial institutions en_US dc.title (題名) 金融科技專利質量指標與金融機構績效之關聯性研究 zh_TW dc.title (題名) The Relationship Between Fintech Patents Quality Indicators and Financial Institution’s Performance en_US dc.type (資料類型) thesis en_US dc.relation.reference (參考文獻) 中文部分王明妤、許旭昇 (2005)。專利組合分析方法之建構：以磁阻性隨機存取記憶體為例。科技管理學刊，10(3)，97-120。李清祺、蔡茜堉、顏俊仁(2016)。金融科技專利現況分析。台灣金融服務業聯合總會，22-33。周夢柏 (2002)。應用財務比率分析我國商業銀行獲利能力之實證研究。碩士論文，朝陽科技大學，財務金融系。翁順裕、耿筠 (2006)。保險業智財權管理新課題：保險商品專利。科技管理學刊，11(4)，99-120。經濟部智慧財產局專利一組 (2014)。發明公開與公告有何區別？，2021年5月18日，取自 https://topic.tipo.gov.tw/patents-tw/cp-783-872267-a0309-101.html。經濟部智慧財產局專利一組 (2014)。發明專利、新型專利、設計專利有何不同？，2021年5月18日，取自 https://topic.tipo.gov.tw/patents-tw/cp-783-872063-15a31-101.html。英文部分Arner, D. W., Barberis, J., and Buckley, R. P. (2015). The Evolution of FinTech: A New Post-Crisis Paradigm?. Georgetown Journal of International Law, 47(4), 1271–1319.Athanasoglou, P. P., Brissimis, S. N., and Delis, M. D. (2008). Bank-Specific, Industry-Specific and Macroeconomic Determinants of Bank Profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.Bettis, R. A. and Mahajan, V. (1985). Risk/Return Performance of Diversified Firms. Management Science, 31(7), 785-799.Chang, K.-C., Chen, D.-Z., and Huang, M.-H. (2012). The Relationships between the Patent Performance and Corporation Performance. Journal of Informetrics, 6(1), 131-139.Chen, M. A., Wu, Q., and Yang, B. (2019). How Valuable is FinTech Innovation?. Review of Financial Studies, 32(5), 2062-2106.Chen, T.-H. and Chang, R.-C. (2021). Using machine learning to evaluate the influence of FinTech patents: The case of Taiwan’s financial industry. Journal of Computational and Applied Mathematics, 390, 113215.Cho, M.-H. (1998). Ownership Structure, Investment, and the Corporate Value: an Empirical Analysis. Journal of Financial Economics, 47(1), 103-121.Chung, K. H. and Pruitt, S. W. (1994). A simple approximation of Tobin`s q. Financial Management, 23, 70-74.Deng, Z., Lev, B., and Narin, F. (1999). Science and technology as predictors of stock performance. Financial Analysts Journal, 55(3), 20-32.Ernst, H. (1998). Industrial research as a source of important patents. Research Policy, 27(1), 1-15.Garvey, G. and Milbourn, T. (2003). Incentive compensation when executives can hedge the market: Evidence of relative performance evaluation in the cross section. Journal of Finance, 58(4), 1557-1582.Iman, N (2020). The Rise and Rise of Financial Technology: The Good, the Bad, and the Verdict. Cogent Business and Management, 7(1), 172-189.Leung, M.-K. and Young, T. (2002). China`s entry to the WTO: Managerial implications for foreign banks. Managerial and Decision Economics, 23(1), 1-8.McConnell, J. J., and Servaes, H. (1990). Additional evidence on equity ownership and corporate value. Journal of Financial Economics, 27(2), 595-612.Morck, R., Shleifer, A., and Vishny, R. W. (1988). Management ownership and market valuation: An empirical analysis. Journal of Financial Economics, 20, 293-315.Portney, L. G. and Watkins, M. P. (2009). Foundations of clinical research: applications to practice. Prentice Hall, New Jersey.Rupeika-Apoga, R., and Thalassinos, E. I. (2020). Ideas for a regulatory definition of FinTech. International Journal of Economics and Business Administration, 7(2), 136-154.Tobin, J. (1969). A general equilibrium approach to monetary theory. Journal of Money, Credit and Banking, 1(1), 15-29. zh_TW dc.identifier.doi (DOI) 10.6814/NCCU202100870 en_US
